Best Balance Transfer Credit Card 2026
Balance transfer cards let you move high-interest debt to a 0% APR card, potentially saving hundreds in interest charges while you pay it down.
Citi Diamond Preferred Card
One of the longest 0% intro periods available — 21 months on balance transfers, giving you nearly 2 years to pay down debt.
- Rewards: None (balance transfer focused)
- Annual Fee: $0
- Welcome Bonus: None
Wells Fargo Reflect Card
Up to 21 months at 0% APR on balance transfers, with potential extension for on-time payments.
- Rewards: None (balance transfer focused)
- Annual Fee: $0
- Welcome Bonus: None
Citi Double Cash Card
Balance transfer card that also earns 2% rewards — best for people who want to use the card after paying off debt.
- Rewards: 2% on purchases after intro period
- Annual Fee: $0
- Welcome Bonus: $200 after $1,500 spend in 6 months
Quick Comparison
| Card | Rewards | Annual Fee | Best For |
|---|---|---|---|
| Citi Diamond Preferred | None | $0 | Longest 0% period |
| Wells Fargo Reflect | None | $0 | Flexible 0% period |
| Citi Double Cash | 2% purchases | $0 | Long-term rewards |
How to Choose
If your only goal is paying off debt, the Citi Diamond Preferred’s 21 months is the longest available. If you want a card you’ll keep long-term, Citi Double Cash is ideal.
Frequently Asked Questions
What is a balance transfer?
Moving debt from one credit card (typically high APR) to a new card offering 0% intro APR, reducing interest charges.
How much does a balance transfer cost?
Most cards charge 3–5% of the transferred amount as a fee. Calculate whether the interest savings exceed this fee.
Will balance transfers hurt my credit?
Opening a new card causes a small temporary dip. But reducing utilization on old cards can boost your score.